MOTOR INSURANCE

Drive with Complete Peace of Mind

Comprehensive motor insurance for cars and bikes with instant documentation, seamless claims processing, and 24/7 roadside assistance across Nigeria.

Instant Policy Issuance 24/7 Roadside Help
Drive with Absolute Confidence

What Motor Insurance Covers

Complete coverage for your vehicle, ensuring you're protected no matter what happens on the road.

Own Damage Cover

Own Damage Cover

  • Accidental damage to your vehicle
  • Fire and explosion coverage
  • Theft and burglary protection
  • Natural calamities damage
  • Man-made disasters coverage
Third Party Liability

Third-Party Liability

  • Unlimited third-party property damage
  • Third-party bodily injury coverage
  • Death liability up to ₦15 million
  • Legal liability protection
  • Mandatory as per NAICOM regulations
Personal Accident Cover

Personal Accident Cover

  • Owner-driver cover up to ₦15 million
  • Passenger cover available
  • Permanent disability compensation
  • Temporary disability benefits
  • Medical expense reimbursement
Zero Depreciation

Zero Depreciation

  • No depreciation on parts replacement
  • Full claim amount settlement
  • Covers rubber, plastic, and fiber parts
  • Available for vehicles up to 5 years old
  • Recommended add-on coverage
Engine Protection

Engine Protection

  • Water ingress damage coverage
  • Gearbox and transmission protection
  • Lubricant leakage damage
  • Hydrostatic lock coverage
  • Essential for rainy season
Roadside Assistance

Roadside Assistance

  • 24/7 emergency assistance
  • Free towing up to nearest garage
  • Flat tire replacement service
  • Battery jump-start assistance
  • Emergency fuel delivery

Choose Your Coverage Type

Compare comprehensive and third-party coverage to find the right protection for your vehicle.

Comprehensive

Recommended

Complete protection covering own damage, third-party liability, and personal accident. Best for new vehicles and comprehensive peace of mind.

  • Own Damage CoverageCovers accidental damage, theft, fire, and natural calamities
  • Third Party LiabilityUnlimited property damage and up to ₦15 million for bodily injury
  • Personal Accident CoverOwner-driver cover up to ₦15 million included
  • Add-on Covers AvailableZero depreciation, engine protection, roadside assistance
  • Cashless RepairsAt 4,500+ network garages across Nigeria

Third Party Fire & Theft

Basic mandatory coverage with additional fire and theft protection. Economical option for older vehicles or budget-conscious buyers.

  • Third Party LiabilityMandatory coverage for third-party damages
  • Fire CoverageProtection against fire damage to your vehicle
  • Theft ProtectionCoverage for vehicle theft and burglary
  • Own Damage Not CoveredAccidental damage to your vehicle not included
  • No Add-on CoversZero depreciation and engine protection not available

Four Steps to Get Covered

Getting motor insurance shouldn't slow you down. Here's how it works.

How it works
1

Tell Us About Your Vehicle

Share your car details and the type of cover you need.

2

Choose Your Cover Type

Comprehensive, third party, or fire and theft pick what suits you.

3

Get Your Quote

We'll send your personalised premium within 24 hours.

4

Pay and Hit the Road

Make your first payment and your cover starts immediately.

Get a Quote →

Simple Claims Process

Fast and hassle-free claims process to get you back on the road.

Claims Process
1

Log in to your portal and go to File a Claim.

2

Select your Motor insurance policy.

3

Describe what happened and upload photos and estimates.

4

We review and respond within 72 hours

Log in to File a Claim Learn About Claims

Frequently Asked Questions

Everything you need to know about motor insurance.

Does it cover if someone else is driving my car?
Yes, provided they have your explicit permission, hold a valid driver's license, and are not using the vehicle for commercial purposes not stated on the schedule.
What is a No Claims Discount?
A No Claims Discount (NCD) is a reward for safe driving. For every year you don't make a claim, you earn a discount on your renewal premium, up to a certain maximum percentage.
Do you offer windscreen cover?
Yes, standalone windscreen cover is included automatically with our Comprehensive policy, allowing you to replace cracked glass without affecting your No Claims Discount.
What should I do immediately after an accident?
Ensure everyone's safety first. Do not admit liability. Take photos of the scene and damage, obtain third-party details, and report to the police and CubeCover immediately.
Is my car covered outside the country?
Typically, coverage is limited to the domestic country, but ECOWAS Brown Card extensions can be provided for cross-border travel upon specific request.
How quickly are claims paid?
Once all required documents (photos, estimates, police reports) are submitted and approved, most claims are settled directly within 48-72 hours.

Protect Your Vehicle Today

Get instant motor insurance with comprehensive coverage, no-fuss repairs, and 24/7 roadside assistance on all every drive.

Get a Quote

100% Secure 24/7 Support Fast Claims Trusted by 50,000+